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The Stacking Benjamins Show — Business
The Stacking Benjamins Show

Named Best Personal Finance Podcast by Bankrate.com and Kiplinger — and the only podcast the Plutus Awards retired from competition after winning twice — The Stacking Benjamins Show is personal finance that doesn’t put you to sleep.

Hosts Joe Saul-Sehy (former 16-year financial advisor, ex-WXYZ-TV “Money Man”) and Josh “OG” Bannerman, CFP (Certified Financial Planner, Bannerman Wealth) sit around the card table in Joe’s mom’s half-finished basement in Texarkana and talk money with the smartest guests in personal finance, investing, and behavioral economics. As Fast Company wrote, the show “strikes a great balance of fun and functional.”

Every Monday, Wednesday, and Friday: expert guests, real headlines, listener questions, and Doug’s trivia. Topics include investing, retirement planning, budgeting, real estate, behavioral finance, taxes, and financial independence — for anyone who wants to be smarter about money without being talked down to.

Subscribe to The 201 — the free newsletter that goes deeper than the show — at stackingbenjamins.com/201

Copyright: © 2023 SB Podcast LLC | Cumulus Podcast Network

Latest Episodes:

What Would You Sacrifice For Financial Freedom? (plus a FinTech chat w/ Zach Pettet) Sep 18, 2020

Show notes

Would you cut birthday parties, holiday get-togethers, attending work events, or giving gifts? How much would you cut to live a financially lean "simple life"? One Reddit user has taken these steps (and more!) in an attempt to stay on course. After our special surprise celebrity reader delivers today's piece, we'll ask our roundtable for their thoughts. Has lean living gone too far? Is financial independence worth these sacrifices? Today we are joined by Olympic gold-medalist turned financial planner, Lauryn Williams; comedian and host of the Crazy Money podcast, Paul Ollinger; and the guy you know and love - Len Penzo of the LenPenzo.com blog.

Halfway through the show we'll take a break from our discussion while Joe rings up Zach Pettet. The last time we talked to Zach was when he was on stage on behalf of Fountain City Fintech during our Stacking Benjamins Live Tour. Today, Zach has his own podcast examining the world of fintech: For Fintech's Sake. During the segment, we'll poke Zach's brain to find out where the world of fintech is at now, AND ask what's in store for the future of fintech.

During our MagnifyMoney call, we'll give some advice to an anonymous caller who is interested in investing. While she doesn't have enough extra cash to buy whole stocks, she could buy fractional shares. Because E-Trade doesn't offer fractional shares, our caller would have to open an account with another firm. Any advice? What good brokerage firms offer fractional shares? Is this even a good idea at all?

Plus during Doug's trivia gameshow, we'll celebrate the U.S. Air Force's 73rd birthday. Enjoy!

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How I Built This (with Guy Raz) Sep 16, 2020

Show notes

How I Built This. It's the case-study story that Guy Raz, creator and host of NPR's How I Built This podcast, has been told many times. Today we'll flip the script on Guy and ask him: what led him to build his hit podcast? We don't stop there, we'll also get inside Guy's head and ask about some of the common themes among the stories he's heard. We'll ask about business as war, fear, building loyal fans, and what drives these founders...often "normal" people, toward success?

Plus, thinking about leaving this all behind the hot moment that countries begin accepting American passports? During our headlines segment, we'll share a list that already has my vote for the best title of 2020: 4 tropical places you can live well for less than 2000 dollars. (Anyone else working remotely bookmarking this)?

In our second piece: has the college education model finally met its match? Welcome to Google's newest venture: higher education. Google's new certificate program can be completed in just about six months, and at a fraction of the cost of a traditional college. Ka-ching! While large companies are already signing on to honor the certificate, we won't know its true value until we collect some solid data on the hiring rates of graduates.

Later, during our Haven Life Line, Francisco calls in with a question about expense ratios. Would switching from a high-to-low expense ratio account be a good move? Does that answer change for tax-advantaged accounts?

Of course, there will still be time for Doug's trivia.

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What Can We Learn From Losing? (with Mary Pilon) Sep 14, 2020

Show notes

How many times have you lost and thought, "I'm going to learn to do better the next time, so I win." What did you learn specifically from losing? Author Mary Pilon asked the same question and put together an anthology on stories about epic losses that shines a spotlight on the struggle involved trying to reach the top of anything. If you're inspired--like we are--by stories of other's struggle so we don't feel so alone, you're going to be super excited listening to Mary share a few epic stories from the book.

Next, has Robinhood finally attracted its share of regulator attention? During our headlines, we'll recap the numerous reasons why you shouldn't use Robinhood for your investing. Plus, in our second piece, are you heading to retirement disaster by underestimating your life expectancy?

During the Haven Life Line, we'll take a question about short-term investing from Matt. He's currently in college, and looking to invest $2000 for a couple of year. Where's the best Matt can invest his money?

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Name That Marketing Catchphrase (plus a new Hippo/Simplisafe Partnership) Sep 11, 2020

Show notes

Welcome to the happiest podcast on earth? Do you know where we stole that catchphrase from? If you do, you just might be a product of marketing. Companies spend millions of dollars each year trying to get you to remember their brand. Today we'll prove just how much we remember marketing with a game show episode where we slightly change the brand slogans and see if our roundtable participants (OG, Paula and Len) can come up with them. How many can you get right? ...and is that a good thing?

Plus, halfway through the show, insurance company Hippo and home security firm Simplisafe join us to talk about a new study talking about home insecurity. With the pandemic, the average person feels less secure about their home life. As a response, they've also teamed up with a new partnership. We'll share details about the study and the partnership on today's show.

Enjoy!

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Who's Sharing in the "Sharing" Economy? (with Juliet Schor) Sep 09, 2020

Show notes

What happened to the sharing economy? The new work model promised to give workers flexibility and new income streams, while people with excess could share what they had with people looking for help. What it turned into is a different matter: lots of people earning below minimum wage, an over-saturation of workers all competing for the same prime hours, and headline-making lawsuits from companies looking to minimize their responsibility to workers. These are all things new gig workers can expect when joining the new "gig" field. Today we chat with Juliet Schor, author of the new best-selling book, After The Gig. During our interview Juliet will share the business strategies that kick-started the shift in direction large gig and sharing companies made, how gig workers don't know how much they're truly making, and we'll also dive into possible solutions to the gig economy's current problems.

In our headlines segment, we'll ask, "Why half of the millennial generation have canceled their travel credit cards?" Plus, Fidelity is now offering their first Bitcoin fund. Should you pay any attention?

We'll finish out the show with our Haven Life Line. Retired clergyman Bill calls in asking if he can really take out a tax-free housing disbursement from his 403b if the money was made through clergy work.

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Train Your Brain For Better Work (with Dr. Joseph Cardillo) Sep 07, 2020

Show notes

Ever wish you had better habits? Whether you're not getting out of bed for that morning run, or you stay up too late before an important meeting in the morning, or you can't stop breaking the budget - we've all asked ourselves, "why did I do that AGAIN?" Dr. Joseph Cardillo, best-selling author of multiple books on the intersection of mindfulness and health not only knows the answer to that, he's sharing the solution on today's show! In his new book, 12 Rules of Attention, Dr. Cardillo goes through easy-to-follow steps on how you can stop bad habits in their tracks, AND how to trick your brain into establishing habits that'll make you a superstar in whatever area of your life you wish to improve.

Brittany Spears is back in the news. In our headlines segment we'll review how her father has served as her conservator for twelve years (taking care of Spears' money), and now the pop star wants him out. So, what does it mean to have a conservator? How can someone make sure everything is on the up-and-up? We'll share that and recall one famous conservator horror story which saw one extremely rich widow fight homelessness. Plus, what's a headlines segment without talking about money and video games? Today we'll also cover the beef between Apple and Epic Games. It's...wait for it...pretty....epic.

We'll also throw out the Haven Life line today to listener Swaggenit, who was notified by Turbotax that because he already contributes to his 401k, he won't receive any tax benefit for his IRA. He asks: because he doesn't receive a tax advantage now and he's contributing post-tax money, will the money be tax-free when he withdraws it? Is there a good reason to keep contributing to his IRA?

As always, we'll of course save some time for Doug's trivia, who's keeping his Independence Day questions going strong. Enjoy!

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Should You Have A Mortgage In Retirement? (SB RWD 113) Sep 04, 2020

Show notes

The one and only Scott Alan Turner from Financial Rockstar podcast joins the fun this week. He, Len Penzo and Joe tackle financial insecurity, mortgages and horrible Valentine's gifts.

Also, we're ending our Rewind week with some pretty special segments. Check out our original show notes below:

At the halfway point we have a great visit with Thomas Smyth from AskTrim.com about his new app. Trim dives into your accounts to find forgotten subscriptions you're paying and unsubscribes you (if you wish).

AS IF that's not enough, we're excited at the end of the episode to share some time with the star of SoFi's new Super Bowl commercial, Brandon Williams. We'll talk about the experience and his investing passion - real estate.

That’s it for this week of rewinds! Coming Monday: We’ll chat with Dr. Joseph Cardillo, author of 12 Rules of Attention: How to Avoid Screw-ups, Free Up Headspace, Do More and Be More at Work.

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Building Your Financial Dream House with Greg Powell (SB RWD 112) Sep 02, 2020

Show notes

What does your financial dream house look like? Financial planner Greg Powell says that he always has trouble convincing people to complete a financial plan because it sounds like a ton of work. But a financial dream house? That’s a much easier sell, and he’s going to help you sell yourself on that concept in today’s episode. We’ll talk about where investments fit into the overall structure (not as far up the priority list as you’d think), how to work through building your “plans,” and then how to build a team that effectively helps you finally create the “structure” of the house.

Happy Hump Day! We're keeping our rewind week going strong with today's show featuring our time with Greg Powell. We thought his unique approach to financial planning was interesting then, and we think it's interesting now. Also from our original show notes:

On the Haven Life line, Garrett asks about company stock inside of his 401k. Should he dump it? If you have company stock inside of YOUR 401k, this’ll be helpful for you…and if you own LOTS of one company’s stock, you’ll also like this segment. We also answer a letter from Andrew, who wonders about his target date fund. As you know (if you’ve listened to us before), we’ve been pretty critical of target date funds. What is his next best move? Do YOU have a target date fund? Maybe today’s letter segment will help you, too!

Of course we have Doug’s trivia, some bad jokes, and lots more….

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Your Money or Your Life? With Vicki Robin (SB RWD 111) Aug 31, 2020

Show notes

Most of us have been at home a lot more than normal, which led us to realize that this week may be high time for a discussion about "stuff." Too many of us have too much clutter. Clutter not just in our house, but in our minds, in our thoughts, and in our goals. That's why today's episode is super important to us.

Happy rewind week! While Joe and OG are hanging up at the beach sipping mojitos (okay, maybe not really), I’m turning back the clock to visit some of our favorite past interviews. We're kicking this week off strong with one of our favorite interviews in the catalogue: Vicki Robin, author of bestselling book, Your Money or Your Life. You can read our original show notes below:

Why are you saving money? How much joy are you receiving from that “stuff” you own? You may rethink your financial plan after today’s show, because our guest is the co-author of the HUGE bestselling book, Your Money or Your Life. Vicki Robin helped shape the financial independence/retire early movement, and she’s on her way down to the basement today to talk to us about re-examining your beliefs around your life and your money. Your money or your life, indeed.

In our headlines segment we’ll talk about student loans with Robert Farrington from The College Investor. He’ll talk about how over 3,000 people just took part in an event to pay off a TON of student loan debt. We’ll share best practices, how best to apply to lower interest rates on your debt, and how to pay them down in a way that makes sense for your situation. We’ll also discuss the new SEC proposed fiduciary rule. Is THIS finally the rule we’ve been looking for? Will it replace the mostly knocked-down rule from the Department of Labor? We’ll review the rule and discuss what you need to know about it on today’s show. Plus, we throw out the Haven Life line to Karen, who’s contributing to a brand spankin’ new health savings account. How should she best use it? We’ll share how these plans work on today’s show. We’ll also answer another listener letter, throw out Doug’s trivia question, and watch him try to juggle….one ball.

Thanks to MagnifyMoney.com for sponsoring Stacking Benjamins as well. MagnifyMoney.com saves users on average $450 when they compare, ditch, switch and save on credit cards, student loan refinancing, checking, savings and more. Check out MagnifyMoney.com for your savings.

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Negotiating The Inevitable "Where's My Life Going?" Crisis (plus an intro to Public) Aug 28, 2020

Show notes

Big houses, fast cars, and flashy boats... are we all destined to hit the "what do I really want with life anyway" crisis? While everyone's therapy comes in different forms, does it have to mean burning obscene amounts of cash budgeted for things like, "life savings" just to reclaim your life? On today's show we'll share what YOU can do when you're second guessing your goals and your life's direction...so that you can keep the sportscar money in your pocket. Helping us out on the roundtable today is Kathe Kline, from the Rock Your Retirement podcast, Paula Pant from Afford Anything, and OG. Plus, we're helped today by our special celebrity reader: Tom Schwab, founder and CEO of Interview Valet. We're happy to have him reading our focus piece today!

Curious about what your friends and other influential people you follow are investing in? After our discussion on making sure your mid-life crisis doesn't turn into a disaster, we'll ring up Katie Perry, VP of social investing platform Public.

We'll round out the show with a question from Martin, who's interested in house hacking. Martin is 17 doesn't have much cash to throw around. He asks: what can he do to have his cash work for him? So far he's been reading up on stocks in the Motley Fool, but what else could he be doing?

And of course with it being Friday... we'll make some time for Doug's game show.

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